Find Cheaper Lexus RX 450h Insurance in Philadelphia

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Insurance rates Lexus RX 450h in PhiladelphiaAre you tired of wondering where the money will come from each month for auto insurance? You are in the same boat as many other vehicle owners in Pennsylvania.

It's shocking but the vast majority of drivers have been with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates to find affordable insurance. Many consumers in Pennsylvania can save nearly $686 each year, but they just don't understand the actual amount they would save if they changed companies. Since you have so many companies and agents to choose from, it is very difficult to locate the most cost effective company.

Best Lexus RX 450h insurance rates in Pennsylvania

The providers in the list below are our best choices to provide free quotes in Philadelphia, PA. If the list has multiple companies, we recommend you get rates from several of them to get a more complete price comparison.

Rates and detailed analysis

The premium table displayed below highlights different insurance premium costs for Lexus RX 450h models. Having a good understanding how prices are calculated can assist in making decisions on which coverage to buy.

Lexus RX 450h Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $324 $638 $384 $22 $114 $1,482 $124
RX 450H Hybrid 4WD 4-Dr $324 $638 $384 $22 $114 $1,482 $124
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can influence coverage rates significantly.

Comparison of policy deductibles

One common question asked by Philadelphia drivers is what deductibles to buy. The following insurance rates can help you visualize the differences in premium rates between low and high deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Lexus RX 450h insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $320 $582 $372 $22 $112 $1,433 $119
RX 450H Hybrid 4WD 4-Dr $320 $582 $372 $22 $112 $1,433 $119
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Lexus RX 450h insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
RX 450H Hybrid 2WD 4-Dr $260 $468 $372 $22 $112 $1,234 $103
RX 450H Hybrid 4WD 4-Dr $260 $468 $372 $22 $112 $1,234 $103
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in vehicle garaging location which can change prices noticeably.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $16 more each month or $192 every year across all Lexus RX 450h models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 16 months between claim filings, you would save more money if you choose a higher deductible.

Rate comparison of full coverage and liability-only

The example below shows the difference between Lexus RX 450h insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The data is based on a clean driving record, no claims, $100 deductibles, drivers are single, and no policy discounts are applied.

Are you wasting money on full coverage?

There is no set rule to exclude full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's assume your Lexus RX 450h replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $2,000 after the policy deductible has been paid. If it's costing in excess of $200 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where dropping full coverage is not advised. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Philadelphia insurance discounts

Insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that many people don't even know exist. Some of these discounts will be visible when you purchase, but lesser-known reductions have to be specially asked for before being credited.

  • Save with a New Car - Putting insurance on a new RX 450h can save up to 30% due to better safety requirements for new vehicles.
  • Pay Upfront and Save - If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • Online Discount - Some of the larger companies will provide an incentive for signing up digitally online.
  • No Accidents - Insureds who avoid accidents and claims get the best insurance rates in comparison with bad drivers.
  • Fewer Miles Equal More Savings - Keeping the miles down on your Lexus may enable drivers to earn better rates on cars that stay parked.
  • Good Grades Discount - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Bundle and Save - If you combine your home and auto policies with the same company you could save approximately 10% to 15%.
  • Active Military Service - Being deployed in the military can result in better prices.

It's important to understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, you're out of luck. Any qualifying discounts will help lower the amount you have to pay.

The information below shows the comparison of Lexus RX 450h insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, multi-policy, homeowner, and marriage discounts applied.

If you would like to view insurance companies that offer discounts in Pennsylvania, click here to view.

What is the best insurance coverage?

When it comes to choosing the right insurance coverage, there really is no "best" method to buy coverage. Your situation is unique and your policy should reflect that. These are some specific questions might point out if your insurance needs would benefit from professional advice.

  • Is my ex-spouse still covered by my policy?
  • Which is better, split liability limits or combined limits?
  • Who sells insurance for high-risk drivers?
  • When should I buy a commercial auto policy?
  • How much liability do I need to cover my assets?
  • Am I covered when using my vehicle for business?
  • Does my policy pay for OEM or aftermarket parts?
  • What does roadside assistance cover?
  • Is other people's property covered if stolen from my vehicle?

If you're not sure about those questions then you might want to talk to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

When to talk to an insurance agency

Many people would prefer to talk to an insurance agent and that is a smart decision Licensed agents are highly skilled in risk management and help file insurance claims. The best thing about comparing auto insurance online is that drivers can save money and get the best rates and also buy local.

Insurance agents in PhiladelphiaFor easy comparison, once you complete this simple form, your coverage information is emailed to local insurance agents in Philadelphia who will give competitive quotes and help you find cheaper coverage. You never need to leave your computer because quoted prices will be sent to you. If for some reason you want to compare prices from a specific insurance company, feel free to navigate to their website and fill out their quote form.

Finding the right provider requires you to look at more than just the bottom line cost. The following questions are important to ask.

  • Do they have cheaper tiers of coverage?
  • Does the agent recommend any additional coverage?
  • Does the company have a local claim office in Philadelphia?
  • Can they provide you with a list of referrals?
  • Are there any extra charges for paying monthly?
  • Do they offer rental car reimbursement?

If you prefer to buy auto insurance from a good Philadelphia insurance agent, it helps to know the two types of agencies and how they differ in how they quote coverages. Agents are classified as either independent or exclusive. Either type can write policy coverage, but it's good to learn how they differ because it can impact your selection of an agent.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so they have to upsell other benefits. Exclusive agencies are well trained on what they offer and that allows them to sell at a higher price point.

Below are exclusive agents in Philadelphia who can help you get price quote information.

9551 Bustleton Ave - Philadelphia, PA 19115 - (215) 725-1000 - View Map

8912 Frankford Ave - Philadelphia, PA 19136 - (215) 331-4500 - View Map

1347 E Hunting Park Ave - Philadelphia, PA 19124 - (215) 533-9010 - View Map

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Independent Agents (or Brokers)

These type of agents can quote rates with many companies so as a result can place your coverage through lots of different companies and find the cheapest auto insurance rates. If prices rise, your agent can switch companies and you don't have to find a new agent.

If you are trying to find cheaper rates, you will definitely want to get quotes from a couple of independent agencies to ensure the widest selection of prices.

Shown below are Philadelphia independent insurance agents willing to provide rate quotes.

4252 Richmond St - Philadelphia, PA 19137 - (215) 321-4990 - View Map

521 N 22nd St - Philadelphia, PA 19130 - (215) 232-0200 - View Map

1879 Cottman Ave - Philadelphia, PA 19111 - (215) 742-3743 - View Map

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Upon receiving positive responses to your questions as well as an affordable premium quote, you've probably found a car insurance agent that meets the requirements to provide auto insurance coverage.

Compare. Compare. Compare.

Some insurance providers may not have the ability to get quotes online and these regional insurance providers prefer to sell through local independent agencies. Discount Lexus RX 450h insurance is attainable online as well as from independent agents in Philadelphia, and you need to price shop both to get a complete price analysis.

We've covered some good ideas how to compare Lexus RX 450h insurance prices in Philadelphia. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting the cheapest Lexus RX 450h rate quotes. Consumers may even find the lowest prices come from some of the lesser-known companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.

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